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Enables qualified borrowers to become first-time homeowners with as little as a 5% down payment.
Available for 1 and 2 unit properties up to a maximum value of $500,000 with 5% down.
3 and 4 units up to 90% LTV
For properties >$500,000 and <&1,000,000, 5% down payment required up to $500,000 with an additional 10% on the portion of the home value above $500,000.
Available for both existing and new construction homes.
Is your mortgage renewal date approaching? Most property owners do not realize they do not have to remain with their current mortgage lender. If you do not renew or pay off your mortgage in full, the lender has the right to automatically renew your mortgage into a higher rate open term or could even lock you into a one year closed term. We will make sure you are offered the best renewal solution rate and terms.
Helps individuals who have recently immigrated or relocated to Canada to purchase property with as little as 5% down.
Borrowers must have a valid work permit or permanent residency.
Borrowers must have a minimum of 3 months full time employment in Canada (those transferred under a corporate relocation program are exempt).
Provides qualified borrowers with the opportunity to purchase an additional investment property with a minimum of 20% down.
Refinancing a mortgage is a strategic financial decision that is applicable in a variety of situations and may require an advisor to ensure the best solution is found to fit your specific needs.
A line of credit secured by your home that gives you a revolving credit line to use for large expenses or to consolidate higher interest rate debt on other loans. You will incur a variable rate of interest on any outstanding balance.
Makes it possible for borrowers who are unable save a down payment to start building equity now. This program allows qualified borrowers to contribute to their down payment with sources that are at arms length to the purchase of a home, such as personal loans, lines of credit, credit cards, or gifts from non-immediate family members.
Helps qualified home buyers carry home improvement costs into their mortgage with as little as 5% down. It is for borrowers who want to make improvements to their home immediately after taking possession of the purchased property. The Purchase Plus Improvements Program allows you to do so with one manageable mortgage.
A Spousal Separation Mortgage allows a buyout of 95% up to $500,000 and an additional 10% on the value over $500,000, which can provide a fair buyout of the selling price and possibly pay off any other joint debt.
It is a simple and sensible way to unlock the value in you home and turn it into cash to help you enjoy life on your terms. You receive the money tax-free. It is not added to your taxable income so it does not affect Old Age Security or Guaranteed Income Supplement government benefits you may receive.
No regular mortgage payments are required while you or your spouse live in the home. The full amount becomes due when you and your spouse no longer live there. You keep all the equity remaining in you home. You will never be asked to move, sell, or repay your Reverse Mortgage. All that is required is that you maintain the property and stay up to date with the property taxes, fire insurance and condominium or maintenance fees while you live there.